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What a home really costs a month

Pick a town and a budget or price. You'll see the full bill, not just principal and interest: local property tax, insurance, flood where it applies, and CDD or city fees.

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Worth knowing in Bradenton

  • Inside Bradenton city limits, property tax on a typical $300K home runs about $100 a month more than just outside the city (18.4 mills versus about 13.3 in unincorporated Manatee). Manatee County Property Appraiser
  • Inside city limits, Manatee County's down payment loan doesn't apply. Just outside it covers homes up to $400,000, but it's closed for now with no money left this year. Manatee County

That budget covers a home around

$330,000

True monthly cost

$3,007/mo

  • Mortgage$2,170
  • Mortgage insurance$146
  • Property tax$441
  • Home insurance$250
Cash to close (about)
$21,450
Property tax a year
$5,290 with homestead ($6,075 without)

3.5% down, 30-year fixed at this week's Freddie Mac average, mortgage insurance about 0.55% a year: 7.24%, week of Oct 29, 2026 (Freddie Mac). Tax at 18.41 mills after Florida homestead. Cash to close = 3.5% down plus about 3% in closing costs. An estimate, not a loan quote.

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